Nurse faked husband’s death in insurance scam – but he was at work day he ‘died’

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A nurse who pretended her husband was dead as part of an "audacious" £400,000 insurance scam has walked free from court.

Thulile Bhebhe, 51, faked husband Bekezela Bhebhe's death to fraudulently claim on his life insurance.

She falsely claimed he died from a pulmonary embolism while the couple were on holiday in Zimbabwe, Africa, in August 2016.

However, her attempted web of lies finally unravelled when it was discovered her husband, also a nurse had in fact been working at Charing Cross Hospital in London on the day he was supposed to have died.

Inner London Crown Court was told the couple are in "dire financial straits" and she was given a two-year prison sentence, suspended for two years.

"It was an audacious fraud but you kept up your husband was dead over a period of time," judge Nigel Seed QC said.

"Given that you have two dependant children at home and there’s a real prospect of rehabilitation, it is entirely in accordance with the sentencing guidelines that I should not make that sentence immediate but suspend it – to give you the opportunity to rehabilitate and find other ways of punishing you."

The defendant, who wore an all-black outfit and a face mask in the dock, looked straight ahead and appeared emotional as the sentence was passed.

Mrs Bhebhe, who also worked as a nurse for the NHS Direct phone service at the time, pleaded guilty to fraud by false representation in 2018.

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The court heard her husband, who is originally from Zimbabwe, had no idea she had declared his death.

Bekezela Bhebhe, 54, was accused of helping her submit the fake documents but denied any involvement, but was cleared in January this year.

According to prosecutors, he had an image of the fraudulent death certificate on his phone and his fingerprints were found on the original death certificate.

However, a judge ruled there was no evidence that he was in on the fraud when his wife, who is originally from South Africa, made the claim and ordered the jury to find him not guilty at the end of the prosecution case.

The life insurance policy had been taken out through Barclays Bank in 2012 and was underwritten by Aviva, with premiums of £50 a month for £397,153 of cover.

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In September 2016, Aviva received a medical consent form from Bhebhe and a copy of a medical certificate from a hospital in Zimbabwe confirming Mr Bhebhe had died of a pulmonary embolism on August 9.

Investigators for Aviva contacted the health service and in January 2017, the NHS confirmed Bhebhe was alive and well, working a long day shift as a sister charge nurse in acute medicine at Charing Cross Hospital.

The policy money was never paid out to the couple.

During his trial, jurors heard Mr Bhebhe was questioned by police and admitted he had credit card debts of £10,000, owed around £5,000 to HMRC in tax and was paying off a joint loan of around £15,000 with his wife.

He told officers: "I don’t think I’m involved in all this. I know very little about this insurance. The day it was taken over I was there in the house but I wasn’t fully involved, I was just there to sign the papers and say yes.

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"I just thought it was ongoing insurance. I never really got into the details of the contracts, what the agreements are."

Philip Romans, defending Bhebhe, said: "She has genuine remorse. She took it on her shoulders. It’s not that she’s got away scot free.

"She's been on benefits and has not been able to get any work, although she has tried to, largely because of this conviction."

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Sentencing Mrs Bhebhe, Judge Seed said: "I read that you came from South Africa and you came as a nurse and you were working until this offence.

"I’m slightly at a loss why you needed to commit the offence as you were in work until you lost your work as a result of this.

"And now you are in dire financial hardship. It is true the fraud involved forged documents from Zimbabwe but they weren’t so sophisticated that the authorities could not see through them in the UK and failed to pay out which you intended to obtain."

Prosecutor Nicholas Wayne applied for compensation to cover Aviva's costs for investigating the fake claim, but it was rejected by the judge because of the couple’s financial situation.

She must carry out 25 days of rehabilitation work and 100 hours of unpaid work.

  • NHS
  • Money
  • London
  • Courts
  • Crime

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